AVS is address verification service. For non-swiped transactions when it is completed and matches both the billing address (only numbers) and zip code, Visa provides the best possible rate for that transaction. Otherwise, without AVS on a non-swiped transaction, one pays the highest rates, because there is no security in the transaction. Save money by entering the billing address and zip code on non-face-to-face credit card transactions. For more tips on saving money on your credit card processing, checkout our Save Smart Guarantee.